Terms and Conditions

Your use of the MyRate.com.au and its associated websites is expressly conditioned on your acceptance of the following terms and conditions. By using MyRate.com.au, you agree to be legally bound by these terms, which will take effect upon first visit to this site. If you do not agree with these terms and conditions, please do not access MyRate.com.au 'MyRate.com.au', 'MyRate Pty Ltd', and 'MyRate' are used interchangeably throughout the following terms and conditions, and refer to the owner and operator of the website http://www.myrate.com.au.

Intellectual Property

The term 'content' in these terms and conditions includes but is not limited to all images, buttons, calculators, forms and text on this website. All names, images and logos identifying MyRate, third parties and their products and services are subject to copyright, design rights and trademarks of MyRate and/or and relevant third parties. All content provided on this site is copyrighted by MyRate Pty Ltd and protected by Australian and international copyright and trademark law. You must not modify, copy, reproduce, republish, frame, post, transmit or distribute this content in any way unless explicit authorisation is received from MyRate Pty Ltd. Dependant on the condition that all content is kept intact and in the same form as presented on this site including all copyright, trademark and privacy notices and all advertisements, you may download and view this content through an industry-standard web browser. Viewing of this content is for personal, non-commercial use, or in the case of an internet service provider, to supply this content to subscribers. All content on this site is provided "as is" and on an "as available" basis. MyRate does not guarantee that the functions on this site will be uninterrupted or error free, and defects will be corrected, or that the MyRate website or the server providing this site is free of viruses or bugs.

User Agreement

You agree that during the use of this website you will not use any device, software or routine to interfere or attempt to interfere with the proper working on this site. You also agree that you will not undertake any action that will impose a burden or loan on MyRate's infrastructure that MyRate deems to be unreasonable or disproportionate site usage. MyRate reserves sole discretion to determining whether an action is unreasonable to the benefits MyRate obtains from your use of the site.

External Sites

MyRate.com.au may contain links to websites of third parties. These third party sites are "external sites" and are managed by separate entities to MyRate. MyRate is not required to maintain or update these links. Links to these external sites are not to be taken as any endorsement, approval, recommendation or preference by MyRate of any information, products or services contained on the external sites unless otherwise specified. MyRate does not make any guarantee or warranty nor accept any liability as to the material contained on external sites.

Accuracy of information

All attempts are made to maintain the accuracy of information provided on this site. However, no guarantee or warranty is made as to the accuracy or completeness of the information provided. MyRate will not be liable for any loss or damage arising from inaccuracies, errors, or exclusions contained on this site. All information should be confirmed before any final decision is made. The results obtained from using any MyRate calculator(s) should be used as an indication only. These results do not represent either quotes or offers for any product/service described, calculated or implied by any MyRate calculator(s). In addition, your interest rate is subject to change and will only be finalised once your loan has been approved.

Cookies

This website makes use of "cookies". Cookies are small pieces of data which are stored the web browser on your computer. A web server, including the server used by MyRate may store one or more cookies in your browser; request that your browser transmit this data back; or request your browser transmit back a cookie which has been set by another site within the same domain. Cookies are used to improve the MyRate service for you and any future visits you may make to MyRate by tracking information about your use of the site and providing customised content. The use of cookies can be disabled through your web browser, however this may result restricted access of some content and facilities of MyRate.

Use of information

We do not take responsibility for any content submitted to us by you. By submitting any information to MyRate, you grant MyRate the global, non-exclusive, royalty-free and irrevocable right to use, reproduce, modify and publish this submitted information. (This does not include any personal information submitted for the use of our stated services). All information collected through MyRate.com.au will be handled in accordance with the terms of our Privacy Policy. You agree you have read MyRate's privacy policy and accepted its conditions. All loans and other products or services referred to in this site are only available in Australia. All applications for credit are subject to MyRate's usual credit assessment criteria.

Referral Program

MyRate operates a customer referral program. In instances where an existing MyRate customer refers a new customer to MyRate, and that new customer has not previously enquired with MyRate and goes on to settle their loan with MyRate, MyRate may reward the existing customer who referred the new customer with a referral payment. For a settled loan to be considered eligible for the referral program, none of the borrowers listed on the new loan must be an existing borrower on any other MyRate loan. In addition, the referred customer must mention during their initial enquiry which existing MyRate customer referred them. At our discretion, we will pay the referral fee upon settlement of the new loan unless MyRate has reason to believe the referral did not come from the existing customer in question. The referral fee cannot be claimed with any other promotions or offers.

Apache License

Apache Open Sans fonts, Copyright 2015 The Apache Software Foundation, Licensed under the Apache License, Version 2.0; you may not use this file except in compliance with the License. You may obtain a copy of the License at http://www.apache.org/licenses/LICENSE-2.0. Unless required by applicable law or agreed to in writing, software distributed under the License is distributed on an "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. See the License for the specific language governing permissions and limitations under the License.

About MyRate

MyRate is an online residential home loan provider based in Sydney. Our loans are securely funded by multiple banking institutions. MyRate works with Firstfolio Limited as our Mortgage Manager. Our Funder and our Mortgage Manager together are considered our financier.

MyRate obtains home loan products at wholesale rates from our financier and then markets that range of products to you under the MyRate brand. Because of the volume of loans we originate, we are able to obtain competitive wholesale rates from our financier and then pass on those savings to consumers.

MyRate is here to bring transparency, flexibility and efficiency to a complex home loan process.
At MyRate we strive to simplify the home loan application process. Whether you are a remote worker, a 9-to-5 office employee or a full-time mother, we are just a phone call or email away. Apply online or Enquire now to get started!

Important Informaton

1 The Compulsory Comparison Rate (CCR) applies only to the example or examples given. The CCR is based on a $150,000 loan over 25 years. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate and may influence the cost of the loan. For loan products that include LVR specific pricing, the revert rate used at the end of the fixed period to calculate the CCR makes use of the lowest available variable rate on offer.

2 MyRate rates shown are valid for new loans only and are subject to change at any time. Interest rates for "variable" type loans will vary from time to time with market conditions. Our funders may not always vary all existing loans by the same amount. As such, existing borrowers may have slightly different interest rates depending on when a home loan settled. There is not one "Standard Variable" reference rate that applies to all home loans. Existing customers can verify their current rate(s) by logging in to internet banking or by contacting customer service.

3 All information on this website is of a general nature and does not take into account your individual circumstances. MyRate has used its best endeavours to ensure the accuracy of all information on this website however your loan agreement will contain all final rates, fees, terms and conditions associated with your loan.

4 All products and information shown are for Australian residents with Owner Occupied applications making principal and interest repayments and some changes to advertised interest rates and features may apply if the loan is for Investment purposes or for interest only repayments.

5 Loans that come off a fixed rate will revert to the advertised variable rate applicable to the loan, at that time.

6 All calculations, comparisons, potential benefits, and indicative savings shown on the MyRate website do not take into account your personal circumstances, as such, your actual results may differ. MyRate does not give financial advice – for advice that takes your circumstances into account please consult a qualified financial advisor.

7 MyRate is not a bank or other Authorised Deposit Taking institution.